Bank nonperforming loans to total gross loans (%) in United States
United States: Bank nonperforming loans to total gross loans (%) was 1.0% in 2025. ◆ Volatile
Bank nonperforming loans to total gross loans in United States, 2009–2025
Source: Financial Soundness Indicators, International Monetary Fund (IMF). Measured in %.
Analysis
The most recent figure for bank nonperforming loans to total gross loans in United States is 1.0%, measured in 2025.
That represents a change of down 1.3% on the previous year and down 34.8% over ten years.
Over the whole period, bank nonperforming loans to total gross loans in United States peaked at 5.0% in 2009 and was at its lowest, 0.7%, in 2022.
United States ranks 141st of 151 countries on this measure, in the bottom quarter.
The series is highly variable year to year, so single readings are best treated with caution.
Bank nonperforming loans to total gross loans (%) in United States, year by year
| Year | % | Change |
|---|---|---|
| 2009 | 5.0% | — |
| 2010 | 4.4% | -11.5% |
| 2011 | 3.8% | -13.8% |
| 2012 | 3.3% | -12.3% |
| 2013 | 2.5% | -26.1% |
| 2014 | 1.9% | -24.5% |
| 2015 | 1.5% | -20.4% |
| 2016 | 1.3% | -10.4% |
| 2017 | 1.1% | -14.7% |
| 2018 | 0.9% | -19.0% |
| 2019 | 0.9% | -6.3% |
| 2020 | 1.1% | +24.6% |
| 2021 | 0.8% | -23.6% |
| 2022 | 0.7% | -12.0% |
| 2023 | 0.8% | +18.2% |
| 2024 | 1.0% | +14.9% |
| 2025 | 1.0% | -1.3% |
United States compared with similar countries
- United States's 1.0% is below the median for high income countries, which is 2.0%, 47% of the median. (58 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 5.0% | 5.0% | 5.0% | 1 |
| 2010s | 2.1% | 0.9% | 4.4% | 10 |
| 2020s | 0.9% | 0.7% | 1.1% | 6 |
Countries ranked near United States
- 138 Saudi Arabia 1.0% compare
- 139 Nicaragua 1.0% compare
- 140 Australia 1.0% compare
- 142 United Kingdom 0.9% compare
- 143 Lithuania 0.8% compare
- 144 Switzerland 0.8% compare
More financial sector data for United States
- Reserve position in the IMF, US dollar, annual growth rate 17.82 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.001 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 89.64 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 12.2 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0007 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 65.46 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 17.82 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.001 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 89.64 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 12.2 % change on previous year (2025)
Frequently asked questions
- What is bank nonperforming loans to total gross loans in United States?
- Bank nonperforming loans to total gross loans in United States was 1.0% in 2025, according to Financial Soundness Indicators, International Monetary Fund (IMF).
- What is the highest bank nonperforming loans to total gross loans recorded in United States?
- The highest recorded value was 5.0% in 2009.
- What is the lowest bank nonperforming loans to total gross loans recorded in United States?
- The lowest recorded value was 0.7% in 2022.
- How does United States rank for bank nonperforming loans to total gross loans?
- United States ranks 141st out of 151 countries with data for 2025.
- Is bank nonperforming loans to total gross loans rising or falling in United States?
- Over the last ten years it is down 34.8%. The long-run trend across the full record is volatile.
- Where does this United States data come from?
- The figures come from Financial Soundness Indicators, International Monetary Fund (IMF), published as part of Bank nonperforming loans to total gross loans (%). Statizoid updates them automatically from the source API.
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About this data
The indicator measures the proportion of a deposit taker’s loan portfolio that is impaired or at risk of default. It is calculated as the ratio of non-performing loans (NPLs) to total gross loans, where NPLs are defined as loans that are past due by 90 days or more or are otherwise considered unlikely to be repaid in full without the realization of collateral. Both non-performing loans and total gross loans should be reported at their gross book value, without deducting for loan-loss provisions or collateral. This indicator provides a key measure of asset quality and potential credit risk in the banking system.